Carrying motor tax over.

malinheader

Hi folks, likely this question has been asked on here before but here goes. My car was wrote off recently and the other party have accepted responsibility and agreed to pay, I had 9 months tax left on my car . Can this be carried over to the new car or even a rebate received if I was to cancel in some way.

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malinheader wrote: »

Hi folks, likely this question has been asked on here before but here goes. My car was wrote off recently and the other party have accepted responsibility and agreed to pay, I had 9 months tax left on my car . Can this be carried over to the new car or even a rebate received if I was to cancel in some way.

You can apply for a refund of tax from your local MTO.
You'll need proof the car was scrapped.
Can't be transferred over.

malinheader

Landon Flat Bearded wrote: »

You can apply for a refund of tax from your local MTO.
You'll need proof the car was scrapped.
Can't be transferred over.

Thanks much appreciated.

Victor

malinheader wrote: »

Hi folks, likely this question has been asked on here before but here goes. My car was wrote off recently and the other party have accepted responsibility and agreed to pay, I had 9 months tax left on my car . Can this be carried over to the new car or even a rebate received if I was to cancel in some way.

Note that written off is not the same as scrapped.

colm_mcm

Also, if the insurance company own the car, they own the tax.

malinheader

colm_mcm wrote: »

Also, if the insurance company own the car, they own the tax.

Hopefully not going through the insurance so hoping when car is released I can send in log book stating it's scrapped.

colm_mcm

Tangental, but inform insurance company either way, people have a habit of changing their mind about paying out once the dust settles.

malinheader

colm_mcm wrote: »

Tangental, but inform insurance company either way, people have a habit of changing their mind about paying out once the dust settles.

Thanks, be doing that tomorrow. They seem genuine enough so hopefully everything works out ok.
Don't want to go through my own insurance as they were uninsured and would be relying on mibi to pay out but from experience there is no way of going through your own insurance without them loading you in future.

colm_mcm

Ok, eyes wide open. If they’ll drive without insurance they’re probably not to be trusted.

Isambard

I can't see them handing over a slab of dosh tbh.

a brief look on the Internet leads me to believe that , if you have to go via MIBI, your own insurance company will have to deal with the claim and you'll need a Garda report.

malinheader

Isambard wrote: »

I can't see them handing over a slab of dosh tbh.

a brief look on the Internet leads me to believe that , if you have to go via MIBI, your own insurance company will have to deal with the claim and you'll need a Garda report.

Hopefully they do. I reported accident this morning in my broker's and after enquiring what happens if I do eventually end up having to go through my own insurance I only found out what I had feared. I will come out the worst loser.

wonski

This really depends on what is the write off value.

Expect and prepare for the worst.

If it was cheap banger you might get lucky.

Anything over 2k and they will start messing around in most cases.

malinheader

wonski wrote: »

This really depends on what is the write off value.

Expect and prepare for the worst.

If it was cheap banger you might get lucky.

Anything over 2k and they will start messing around in most cases.

The car is not massive money to replace but was very reliable and well serviced by myself, no payments and at the least another 3 or 4 years driving in her. Hard to beat something you know has been looked after.
Anyhow can't help thinking if someone with a new or high end car was hit by an uninsured driver they are going to lose big time no matter what insurance cover they have.
Very unfair.

wonski

Focus on your case, and accept no messing.

You are giving the other driver a chance of getting away with that and hopefully they will learn something g from this.

I would accept no more than few days waiting and if they don't settle start the process with mibi and Garda.

You are doing them a favour so it is up to them to sort it now.

Dravokivich

malinheader wrote: »

Hopefully not going through the insurance so hoping when car is released I can send in log book stating it's scrapped.

You can't state it's scrapped. An official scrap yard can provide you a cert of destruction, and you may be able to reclaim any remainder from then (as pro rata of 3 month increments 3/6/9/12).

But to be honest, I don't see what benefit there is to you, to forgo going through the insurer. You need to protect yourself here, not them.

malinheader

After chatting to the broker this morning. The cost of them replacing my car will be a whole lot less than me going through my own insurance. Believe it or not It will cost me a hell of alot more going through my own insurance even though mibi is supposed to protect my insurance its still a opening for my insurance company which i wouldn't be able to leave until everything is sorted to charge me through the nose for insurance.

Dravokivich

malinheader wrote: »

After chatting to the broker this morning. The cost of them replacing my car will be a whole lot less than me going through my own insurance. Believe it or not It will cost me a hell of alot more going through my own insurance even though mibi is supposed to protect my insurance its still a opening for my insurance company which i wouldn't be able to leave until everything is sorted to charge me through the nose for insurance.

I've been through something similar before and it never affected me by means of loading/NCB to go through my insurance and have them recoup from the other party.

Why are you speaking to the broker though? I had a broker and I skipped by them and spoke with the insurer underwriting the policy.

malinheader

Dravokivich wrote: »

I've been through something similar before and it never affected me by means of loading/NCB to go through my insurance and have them recoup from the other party.

Why are you speaking to the broker though? I had a broker and I skipped by them and spoke with the insurer underwriting the policy.

Not intending going through my insurance at the moment so just reported it through my broker.
How long did it take for mibi to reimburse your insurance company and did you have to renew during the time before they weren't reimbursed and was there much of a hike in price.
Just curious because my broker didn't seem to optimistic that I would get away unchanged.

pablo128

If you have to make a claim off your insurance or MIBI, they will ask you if you reported it to Gardai.

I have been in your position before and foolishly agreed to let the lad pay himself, which of course he didn't. He didn't have insurance either.

Dravokivich

malinheader wrote: »

Not intending going through my insurance at the moment so just reported it through my broker.
How long did it take for mibi to reimburse your insurance company and did you have to renew during the time before they weren't reimbursed and was there much of a hike in price.
Just curious because my broker didn't seem to optimistic that I would get away unchanged.

I said something similar, because the other party was insured. Even then it took almost a year and half to fully clear through. It never affected me as it wasn't considered a claim against me.

malinheader

pablo128 wrote: »

If you have to make a claim off your insurance or MIBI, they will ask you if you reported it to Gardai.

I have been in your position before and foolishly agreed to let the lad pay himself, which of course he didn't. He didn't have insurance either.

Gardai were on scene. He has until Thursday to sort me, if not will have to go through my own insurance. So will know by Friday what is happening.

malinheader

Dravokivich wrote: »

I said something similar, because the other party was insured. Even then it took almost a year and half to fully clear through. It never affected me as it wasn't considered a claim against me.

That's my worries. Broker says it could take a couple or more years for mibi to reimburse my company while I am being screwed for insurance with claim against my insurance. They have me by the short and curlies as no other company would touch me. I'm sure that they will be in no hurry to be reimbursed when they are making me pay. Don't want to be in that position.

sunnysoutheast

malinheader wrote: »

Not intending going through my insurance at the moment so just reported it through my broker.
How long did it take for mibi to reimburse your insurance company and did you have to renew during the time before they weren't reimbursed and was there much of a hike in price.
Just curious because my broker didn't seem to optimistic that I would get away unchanged.

Did your broker advise you that you had to report the accident to your insurance company, not just the broker? Depends on the exact terms but I'd be surprised if you don't have a time limit within which you have to advise the insurer of anything which could rise to a claim, which in this case I think will be true if you are forced to go through MIBI. I got a snotty letter once from an insurer after a non-fault accident as I'd only advised the broker and not them directly.

Not sure I'd be too hopeful of this one being settled privately tbh. Good luck anyway.

malinheader

sunnysoutheast wrote: »

Did your broker advise you that you had to report the accident to your insurance company, not just the broker? Depends on the exact terms but I'd be surprised if you don't have a time limit within which you have to advise the insurer of anything which could rise to a claim, which in this case I think will be true if you are forced to go through MIBI. I got a snotty letter once from an insurer after a non-fault accident as I'd only advised the broker and not them directly.

Not sure I'd be too hopeful of this one being settled privately tbh. Good luck anyway.

Thanks. Broker phoned in report while I was there, Insurance company said they are flat out today and will probably get back to us in a few days if anymore details needed. Everything logged through e mail also. Hopefully sorted before Friday. Thanks again.

Isambard

you've reported it now anyway, so if they want to grab your short and curlies, they can anyway.

malinheader

Isambard wrote: »

you've reported it now anyway, so if they want to grab your short and curlies, they can anyway.

Not really. Every accident how small is supposed to be reported. They should have no reason to load a policy if no claim is made. You could Also move to another company for a better quote if need be as no claim would of been made.

mgbgt1978

malinheader wrote: »

Gardai were on scene. He has until Thursday to sort me, if not will have to go through my own insurance. So will know by Friday what is happening.

TBH I can't see any reason for this guy to pay out.
It's not as though he is going to be loaded by his "current Insurer", or lose his NCB, etc .
Obviously it's a kick in the b@lls OP, but it does appear that your cheapest option is just to suck it up and replace the car yourself. Just be thankful that your loss is relatively small.
As you have said yourself, any payout by your own Insurer will cost you multiples of that for the next few years while the MIBI jump into action. Even if you change Insurers they will obviously penalise you for making a claim against one of their own* (while waiting for the MIBI claim).




*not that there's any sort of Cartel amongst Insurers :rolleyes:.

malinheader

mgbgt1978 wrote: »

TBH I can't see any reason for this guy to pay out.
It's not as though he is going to be loaded by his "current Insurer", or lose his NCB, etc .
Obviously it's a kick in the b@lls OP, but it does appear that your cheapest option is just to suck it up and replace the car yourself. Just be thankful that your loss is relatively small.
As you have said yourself, any payout by your own Insurer will cost you multiples of that for the next few years while the MIBI jump into action. Even if you change Insurers they will obviously penalise you for making a claim against one of their own* (while waiting for the MIBI claim).




*not that there's any sort of Cartel amongst Insurers :rolleyes:.

Agree with you. If he renages on paying me,best option for me is to take the hit myself. Hard to do but most cheapest to me in the long run. Makes you wonder though is it worth bothering insuring a older car.

Eggs For Dinner

malinheader wrote: »

Not intending going through my insurance at the moment so just reported it through my broker.
How long did it take for mibi to reimburse your insurance company and did you have to renew during the time before they weren't reimbursed and was there much of a hike in price.
Just curious because my broker didn't seem to optimistic that I would get away unchanged.

OP, you've been given bad advice and you need to act quickly. A

a competent broker should have explained the MIBI Protocol. If you are struck by an uninsured driver ( and have comprehensive insurance) your insurers handle the claim on behalf of the MIBI. There is NO affect on your NCB or future premiums and they don't have to wait to be reimbursed by the MIBI. Each insurers books are balanced at the end of the year with regard to their obligations an what they've paid out. Check their website.

The only time you have to deal with the MIBI is if you wish to submit a claim for injury

malinheader

malinheader wrote: »

Not really. Every accident how small is supposed to be reported. They should have no reason to load a policy if no claim is made. You could Also move to another company for a better quote if need be as no claim would of been made.

That’s very naive.

Guy:Incognito

Presumably hes getting done for no insurance if the gardai were on the scene?

So realistically theres no reason for him to actually pay up?theres no extra consequences for him if he just decides to tell you to get ****ed. Hes already shown to have no regard for the law, so cant see goodwill to a stranger being high on his priorities.

malinheader

ReginaldSmythV wrote: »

That’s very naive.

How so. Why do you think they would.

malinheader

malinheader wrote: »

How so. Why do you think they would.

Because they’re insurance companies and they do whatever they like, usually at the cost of their customer.

malinheader

ReginaldSmythV wrote: »

Because they’re insurance companies and they do whatever they like, usually at the cost of their customer.

Yes but there should still be no reason to load my insurance when I am not pursuing a claim through them. Anyhow you I can still shop around for a better quote.
The last 3 years I have changed companies to get the best quote. There seems to be no loyalty to customers who stay with the same company. I do not want to be in the position that I am stuck with one insurer for the next 4 or 5 years. Then I believe I would be screwed.

Eggs For Dinner

malinheader wrote: »

Yes but there should still be no reason to load my insurance when I am not pursuing a claim through them. Anyhow you I can still shop around for a better quote.
The last 3 years I have changed companies to get the best quote. There seems to be no loyalty to customers who stay with the same company. I do not want to be in the position that I am stuck with one insurer for the next 4 or 5 years. Then I believe I would be screwed.

As I said earlier, the MIBI protocol ensures you won't be disadvantaged. Ignore the scaremongers

johnml

Any update OP?

malinheader

All sorted didn't get exactly what I wanted but near enough. Very amicable settlement and don't have to go near my insurance. Alot easier than the hassle.

mgbgt1978

I'd say even you would agree you were very, very lucky


Still can't see what he gained by paying you though......not your problem obviously

johnml

malinheader wrote: »

All sorted didn't get exactly what I wanted but near enough. Very amicable settlement and don't have to go near my insurance. Alot easier than the hassle.

Great to hear. I expected it to get very messy for you. Well done

malinheader

mgbgt1978 wrote: »

I'd say even you would agree you were very, very lucky


Still can't see what he gained by paying you though......not your problem obviously

More than happy. Genuinely nice man who was genuinely sympathetic. Ended on good terms. Doesn't end like this much now days.

malinheader

johnml wrote: »

Great to hear. I expected it to get very messy for you. Well done

I feared the myself. Very relived its over..thanks.

wonski

Good to hear you got sorted so quickly.